Annual fees vary by card type. You can find the full list here or visiti your nearest ABK branch.

Yes, you can withdraw cash at any ATM. Please note that the ABK Multi-Currency Prepaid Freedom card can only be used for cash withdrawals at ABK ATMs locally. Withdrawal fees are listed here .

Complimentary airport lounge access is available through the Visa Airport Companion programme for ABK Visa Infinite Advantage, Visa Signature Advantage, Emirates Visa Infinite, and Emirates Visa Signature cardholders.

You can access your credit card statement through:

• Any ABK branch
• ABK call centre: Ahlan Ahli 1 899 899 (or +965 2290 7222 for international calls)
• Online or Mobile Banking (digital statements are available for up to 5 years)
• The ABK card payment portal

Note: Non-ABK account holders with a Prepaid Card can only access digital statements through the Card Payment Portal.

Call us immediately at Ahlan Ahli 1 899 899 (or +965 2290 7222 for international calls) to report the lost card. Our team will block it immediately.

International purchases made in a foreign currency (non-KWD) are subject to a markup fee, inclusive of Visa/Mastercard fees. Paying in the local currency of the country you are visiting can help avoid additional currency conversion costs.

When you purchase an airline ticket using an eligible ABK card, you are automatically covered by complimentary travel insurance. To issue your policy certificate, log in to the Visa Airport Companion app or Mastercard Travel Pass app after completing your purchase.

ATM cards are valid for 5 years from the date of issue.

New and replacement ATM cards are issued within three business days.

The replacement fee for a lost or stolen ATM card is KD 5, except for Al Amel account, which is exempt. Click here to view the full details of the applicable fees or visit your nearest branch.

Yes. Simply let ABK staff know that you would like to collect your card from a different branch. This takes 3 business days to arrange.

Your ATM card displays two numbers: the 16-digit card number and the 13-digit account number.

You can change the default account linked to your card by contacting Ahlan Ahli 1 899 899 (or +965 2290 7222 for international calls) or visiting your nearest branch.

Your card will be locked after three incorrect PIN attempts. To unlock it, request a PIN reset by contacting Ahlan Ahli 1 899 899 (or +965 2290 7222 for international calls) or visiting your nearest branch.

Note: The call centre can only process one PIN reset per month, as per policy.

You can request a credit card limit increase by visiting your nearest ABK branch or contacting Ahlan Ahli 1 899 899 (or +965 2290 7222 for international calls).

The minimum monthly payment for ABK credit cards is KD 25.

You can recharge your prepaid card through:

• ABK Mobile or Online Banking
• IVR via the ABK Call Centre: Ahlan Ahli 1 899 899 (or +965 2290 7222 for international calls) — available to ABK customers only; a KD 0.500 fee applies.

Applicants must be aged 16 or above and must be either citizens or residents of Kuwait. A parent or guardian can apply on behalf of a minor. For more information, contact Ahlan Ahli 1 899 899 (or +965 2290 7222 for international calls) or visit your nearest branch.

Yes, as long as you hold an account with another bank in Kuwait. You can load or reload funds using a KNET debit card issued by any Kuwaiti bank.

You can apply through the ABK Mobile app or by visiting any ABK branch with your Civil ID and completing the application form. Your card and PIN will be ready within 3 business days.

ABK prepaid cards are valid for 2 years from the date of issue.

No. Your card is activated automatically by the branch when you collect it.

You can use your Prepaid Card for POS purchases, online purchases, and cash withdrawals, both locally and internationally. Withdrawal fees are listed here .

Immediately, once your load or reload has been confirmed via Online Banking, Mobile Banking, IVR, or the payment portal.

There are no fees for withdrawals at ABK ATMs. Cash withdrawals at non-ABK ATMs locally cost KD 1. Overseas withdrawal fees are listed here .

Yes, but only if you hold an account with ABK. If you do not, you can still load or reload funds through:

• ABK Online or Mobile Banking — ABK customers only
• IVR via Ahlan Ahli 1 899 899 (or +965 2290 7222 for international calls) — ABK customers only

You can load the following currencies: Kuwaiti Dinar (KWD), US Dollar (USD), Pound Sterling (GBP), Euro (EUR), UAE Dirham (AED), Saudi Riyal (SAR), Bahraini Dinar (BHD), Swiss Franc (CHF), Canadian Dollar (CAD), Egyptian Pound (EGP), Qatari Riyal (QAR), Turkish Lira (TRY), and Indian Rupee (INR).

Load funds onto the card in Kuwaiti Dinars (KWD) first. From your KWD wallet, you can then transfer funds to up to 13 foreign currency wallets.

Example: To hold USD 100 on your card, you would transfer approximately KWD 28.764 from your KWD wallet to your USD wallet, based on the exchange rate applicable on that day and displayed before you confirm the transaction.

Once transferred, the exchange rate is locked in, so subsequent rate changes will not affect that wallet’s balance. If you then spend USD 10, your USD wallet balance will simply decrease to USD 90.

The same process applies to all other supported currencies. Please click here for current rates.

If a purchase exceeds the balance available in that currency wallet, the full transaction amount will be charged to your KWD wallet instead, rather than being split between the two wallets. If your KWD wallet also has insufficient funds, the transaction will be declined, even if funds are available in other currency wallets.

Example: A USD 200 purchase with only USD 199 available in your USD wallet will be charged entirely to your KWD wallet (approximately KWD 57), even if you have EUR 1,000 available in your EUR wallet.

This applies to all currencies. We recommend keeping track of your wallet balances to avoid unexpected charges to your KWD wallet.

The transaction will be charged entirely to your KWD wallet.

No. Direct transfers between two foreign currency wallets are not supported. You will need to transfer the funds to your KWD wallet first, and then from KWD to the target currency.

Example: To move funds from your USD wallet to your EUR wallet, transfer USD → KWD, then KWD → EUR.

All wallet balances will be converted to KWD at the exchange rate applicable on that day and credited to your bank account as a single KWD amount. Standard bank charges apply.

ABK Tap ‘n’ Go is a contactless payment feature available on ABK cards. It uses Near Field Communication (NFC) technology, such as Visa payWave. Simply tap or wave your card over an NFC-enabled POS device without the need to insert or swipe it.

You can use it anywhere you would normally use your card. If the POS device is NFC-enabled, simply tap or wave your card instead of inserting or swiping it.

All ABK cards come with Tap ‘n’ Go functionality built in, so no separate card is required.

No. Tap ‘n’ Go is active by default on all ABK cards.

Yes. It works at any NFC-enabled POS terminal outside Kuwait that accepts Visa or Mastercard.

For purchases under KD 25, no PIN is required — simply tap or wave your card. For purchases of KD 25 or more, PIN verification is required.

No. NFC-enabled terminals only process one transaction per card at a time. Each transaction must either be completed or voided before another can begin.

Yes. NFC-enabled cards carry the same multiple layers of security as other chip cards. They also use Dynamic Data Authentication (DDA), which generates a unique code for every transaction, helping prevent card details from being copied and reused for fraudulent transactions. Sensitive information such as your name and CVV (the 3-digit code on the back of your card) is not transmitted through NFC.

You can earn Skywards Miles based on your card type and whether the transaction is local or international:

None. Transactions made in KWD, whether online or in-store abroad, do not earn Miles. Cash withdrawals, whether local or international, also do not earn Miles. To earn Miles on international purchases, pay in the local currency of the country you are visiting.

Log in to our online activation page to get started. Your account will be activated automatically once enrolment is complete.

Note: Miles are credited to your account regardless of whether you have completed online registration.

Miles are valid for 3 years from the date they are earned. In the year they are due to expire, they will be removed from your account at the end of your birth month.

Note: Expiry terms are set by Emirates and may change. Please refer to Emirates for the latest policy.

Visit the Emirates website to browse Emirates Skywards rewards and calculate the number of Miles required for redemption.

ABK updates your Miles every Monday night.

No. If a transaction is cancelled or reversed, any Miles already credited for that transaction will be deducted from your account.

To dispute a transaction appearing on your statement:

1. Download the Dispute Form.
2. Print and complete the form.
3. Sign it and email it to ABKCardsDisputes@abkuwait.com